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Domestic securities companies are engaged in the interest business by raising funds cheaply and lending them to customers at high interest rates.

It is up to 6 times the interest rate difference between bank loans and deposits. Unlike banks, securities companies are not obligated to disclose this information.



This is reporter Jo Yoon-ha.



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Securities companies provide loans to their customers with stocks as collateral.



At this time, if there is not enough money to lend, loan funds are borrowed through Korea Securities Finance.



Interest rates average 3% per year.



However, when you lend money to customers, the interest rate rises dramatically.



The interest rate differs depending on the loan period. It is in the mid-5% range for a short loan, but jumps to the 9% range for a longer period of 5 to 6 months.



If Samsung Securities lends for half a year, the interest rate is 9.8%, and KB Securities is well over 9%.



It is about six times higher than the commercial bank deposit-deposit interest rate difference announced last September.



In order to prevent excessive interest rates and ease the interest rate burden on the common people, banks have been required to disclose the difference in interest rates on deposits and deposits every month since last July, but securities companies are not subject to this.



[Kim Deuk-eui/Representative of Solidarity for Financial Justice: When loans are made through collateral, the upper limit must be set, and the structure of securities companies in blind spots is disclosed like the bank deposit margin disclosure so that they can autonomously tense and check (must.) ]



As the stock trading population increased after Corona, the scale of credit transaction loans from securities companies soared from 19 trillion in 2020 to 23 trillion last year.



Interest income has also increased by that much, but criticism is raised that excessively high interest rates of up to 9% are applied to loans with collateral such as stocks.



In particular, it is pointed out that securities companies, which have recorded good performance due to a sharp increase in stock trading over the past 1-2 years, are making up for their profits with loan interest as their commission profits have decreased as their trading has decreased this year.



(Video editing: Yunseong Kim, VJ: Hyunwoo Park)